浅谈中小企业融资问题与对策[摘要]随着国家经济一体化进程的全面开展与实施，中小企业的快速崛起，使其逐渐成为推进经济发展的主要动力。由于中小企业绝大多数具有经营规模小、资金持有少等特点存在，使得中小企业生产经营所需资金严重缺失，这就只能借助融资方式来解决资金相关方面的问题。然而中小企业这些不同于其他企业的特点，导致其融资过程中存在诸多困难和问题，进而对中小企业的稳健发展造成了消极作用。本文立足于中小企业发展环境的基础上，对中小企业进行融资的现状进行了分析，发现了中小企业在融资过程中遇到的一些问题，并研究了这些问题出现的原因，同时从融资创新策略的角度提出了相应的改进意见，更好的促进中小企业的融资问题解决。[关键词]中小企业；融资难；对策OntheFinancingProblemsandCountermeasuresofSmallandMedium-sizedEnterprisesWiththecomprehensivedevelopmentandimplementationoftheprocessofnationaleconomicintegration,therapidriseofSMEs,sothatithasgraduallybecomethemaindrivingforcetopromoteitseconomicdevelopment.Asthevastmajorityofsmallandmediumenterpriseswithsmalloperatingscale,lesscapitalholdingsandothercharacteristicsexist,makingtheproductionandoperationofsmallandmediumenterprisesneedaseriouslackoffunds,whichcanonlyrelyonfinancingtosolvethefundingrelatedissues.However,thesesmallandmediumenterprisesaredifferentfromthecharacteristicsofotherenterprises,resultinginthefinancingprocesstherearemanydifficultiesandproblems,andthusseriouslyaffectandlimitthecontinuedoperationofSMEsanddevelopment.InviewoftheanalysisofthedevelopmentenvironmentofSMEs,thispaperanalyzesthepresentequitytradingsituationofSMEs,findsoutsomeproblemsencounteredbySMEsinthefinancingprocess,andanalyzesthereasonoftheseproblems,Fromtheperspectiveofthecorrespondingimprovementoftheviews,hopingtosolvethefinancingproblemsofSMEstoprovidesomehelp.Keywords：Smallandmediumenterprises；Financingdifficults；Countermea目录一、绪言...................................................................................................................................1（一）研究背景......................................................................................................................1（二）研究意义......................................................................................................................1（三）研究路线.....................................................................................................................2二、我国中小企业融资及现状...............................................................................................2（一）中小企业的融资特点以及融资方式..........................................................................2（二）我国中小企业的融资现状..........................................................................................4三、我国中小企业融资困难问题分析...................................................................................4（一）单一的融资方式和狭窄的融资渠道..........................................................................4（二）缺乏有效科学融资及计划..........................................................................................5（三）中小企业不健全的财务制度......................................................................................6（四）中企业规模小，缺乏可抵押的资产..........................................................................6（五）中小企业尚未形成良好的信用意识..............................................................
